Property & Casualty

Property and casualty insurance are a must for individuals and businesses. It provides peace of mind against potential risks that could lead to damages from fire or flood or losses associated with burglaries. Casualty insurance delivers that financial safety net by covering the losses that can come from accidents and protecting against legal liability that could otherwise severely impact you or your business. From small businesses and specialty firms to contractors and restaurants to non-profit organizations throughout New Mexico, the expert advice and property and casualty solutions from Linton & Associates, LLC can protect what you have worked so hard to build.

Liability: This type of insurance protects an individual or business from the risk of legal liability related to injury, negligence, or malpractice. It can cover the legal costs and any necessary legal payouts that may be the result of those situations.

Workers Comp: This is an insurance policy that most businesses are required to have in order to meet their statutory obligations to their workers who may be injured or become ill on the job site. Benefits paid out to these workers for such on the job injuries or illnesses include medical expenses, death benefits, lost wages and vocational rehabilitation. Failure to carry such a policy can result in significant costs to the business as well as additional state penalties for non-compliance.

Business: Businesses need property insurance to protect their commercial buildings or properties associated with that business. Additionally, they need to have casualty insurance to protect them from liability claims due to faulty products. Errors and Omission insurance can protect businesses from liability claims due to errors that led to damages caused to their clients.

Fleet: This insurance coverage accommodates all vehicles owned by a business and is considered to be a commercial type of automotive insurance for trucks, vans, and vehicles.